I have read some foruma about cards out of BK, but they all seem to be several years old. (Most recent i found was like 6 years old)
What cards are best right out of BK? Just received DC a week ago and want to start rebuilding to hopefully be able to buy a house in a few years.
I was approved for unsecured cap 1 platinum 500 limit and hubby was approved at 300 for the same card... is this a good one?
What are good cards we could most likely get that will increase the limits a good amount over time? We didnt really burn many banks and no big places besides paypal and usbank.
Any insight into morr current cards is much appreciated!
Obviously not HERE on fico. You need to do a lot of research here on THIS forum. The search button at the top will your friend
and yes, Cap1 is a good card to have. I started them 3 days post DC over 5 1/2 yrs ago, and now I have a Venture with a $48k limit...it takes time, but its all possible
I would suggest checking to see if you are pre-qual with Discover. You might get offered a secured card with them but it will be a starting point with a card that will grow with you if managed properly.
You got the same card I started with 3yrs 4 months ago. But things have changed a bit since 2015. Yes you can ask for a CLI after 3 statements and still get the CS CLI. Trick is. Use it like a debit card. Pay it off every 2 weeks on payday. Dont carry any balance. Let it report zippo. Then upgrade after you boith get the CS CLI. Do not go after the QS1 and the $39 AF. It wont move and it is hard to upgrade. After 6 months try the Disco pre-qual. If you dont get an approval. Try the secured. You get all the benes and it graduates. Store cards are HP's now. Avoid them unless you shop at a certain store a lot. Only about every 4-6 months try for another card. Dont rush it. After a year then it will get easier to get better cards.
|FICO 8 SCORES: 06-02-2019||616 TU||613 EX||638 EQ|